Your insurance broker for your company in the Bern region.

By taking out public liability insurance, you protect yourself and the company against risks associated with daily professional activities.
For certain professional groups, such as lawyers or doctors, so-called professional liability insurance is mandatory.
Public and professional liability insurance in Switzerland covers property damage, personal injury, or financial loss that may arise from professional activities. Passive legal protection is also important, as it helps in defending against unfounded claims.

Daily sickness allowance insurance secures the statutory continuation of wage payments. If employees fall ill and can no longer perform their work, you as an employer are obliged to continue paying their wages for a legally prescribed period.
Longer periods of illness can become costly for employers. A company can protect itself against this with daily sickness allowance insurance:

• KTG insurance is voluntary, unless a generally binding collective labor agreement (GAV) prescribes it.
• The amount of the KTG premium depends on the agreed benefits, the type of business, the industry, the average age of the workforce, gender, and the claims history.
• Standard cost sharing: As the employer, you must cover at least half of the insurance contribution costs, while the employees pay the rest.

Similar to household contents insurance in the private sector, movable property insurance (also known as commercial property or inventory insurance) insures a company’s mobile assets. Depending on needs and the insurance policy, it covers damage resulting from fire, natural hazards, water, theft, and glass breakage.

Fleet insurance simplifies the administration for a company with several vehicles, whether cars, trucks, or forklifts, and is recommended for as few as five license plates.
As with individual policies, coverage can be determined individually for each vehicle. These include, for example:

• Full or partial casco (collision/comprehensive)
• First-party damage (e.g., when parking on company premises)
• Occupant accident insurance
• Roadside assistance
• Gross negligence and bonus protection

Technical insurance covers a company’s machinery, equipment, and systems. For example, the following risks can be covered:

• Data recovery costs in the event of loss due to a defect
• Casco insurance for the machine or system in the event of damage caused by external influences (e.g., machine breakdown)
• Business interruption and additional costs in the event of a malfunction or failure of systems

Cyber insurance protects your company against financial losses in the event of a cyberattack. Stolen customer data, damage to reputation, or business interruption as a result of such an attack can be extremely costly for companies. Appropriate insurance helps to restore data, inform customers, and even assists you with ransom demands.

With legal protection insurance, even a smaller company without its own legal department enjoys legal assistance. Legal protection covers the costs in a legal dispute, represents your legal interests, and advises you, for example, on legal questions regarding labor, social security, criminal, and contract law, or rental and real estate law. Legal protection insurance for companies usually covers the following services:

• Legal advice by telephone
• Coverage of litigation, attorney, court, and expert fees
• Litigation compensation and criminal bail up to a certain amount
• Enforcement of non-contractual claims for damages against third parties or in disputes with private insurance companies
• Defense of your workforce in the event of negligent violation of criminal norms

All employers in Switzerland are required by law to take out accident insurance according to the UVG. Occupational accident insurance (BU) is mandatory. If an employee works eight hours or more per week, non-occupational accident insurance (NBU) must also be covered. Depending on the business or profession, accident insurance must be taken out with SUVA.

Accident insurance according to UVG covers the following costs:

• Outpatient and hospital treatment costs in the general ward
• Reimbursement for expenses such as transport, home care, and aids
• Financial benefits in the form of daily allowances in the event of temporary incapacity for work (80% of the AHV salary, from the 3rd day)
• Invalidity pension in the event of (partial) invalidity
• Survivor benefits such as orphan’s pension and widow’s or widower’s pension
• Integrity compensation in the form of a lump-sum payment for permanent significant damage to physical, mental, or psychological integrity
• Helplessness allowance if the help of third parties is necessary to manage daily life

Voluntary supplementary accident insurance (UVGZ) can cover individual needs that are not considered in mandatory accident insurance. In the area of UVG supplementary protection, the following benefits, among others, can be insured:

• Private or semi-private room in the hospital
• Daily allowance from the 1st day
• Increase of the daily allowance to 90% or 100% of the salary
• Daily allowance or pension also for salary above the UVG upper limit of CHF 148,200
• Invalidity and death benefit capital in the event of an accident
• Difference coverage/special risk

Supplementary accident insurance can be taken out for all your employees or only for individual groups of employees. While such supplementary insurance costs you more, it has a positive effect on employee satisfaction and the company’s reputation.